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Do I Need Uninsured And Underinsured (UIM/UM) Coverage?

Nearly 1 out of 8 drivers in the United States are uninsured. An even higher number are considered underinsured, which means they do not have enough coverage to pay for all of the damages they cause in an accident. If you are involved in an accident with an uninsured or underinsured motorist, you may have little recourse for recovering the compensation you need to move on with your life.

That’s where uninsured/underinsured motorist (UIM/UM) coverage comes in. This form of auto insurance protects you by paying for your property damage, medical expenses, and lost wages if you are hurt in an accident with an at-fault driver. Here’s why UIM/UM coverage is so important.

Your Options for Recovering Compensation
If you are hurt in an accident and the other driver is at fault, you have just two options for recovering compensation. The first option is a claim through the at-fault driver’s insurance policy. Every driver is required to maintain at least state-mandated minimum liability insurance, which pays for damages the driver causes in an accident. Unfortunately, about 13% of drivers on the road do not have even the legal minimum amount of liability insurance.

Even if the driver does have insurance, the state-mandated minimum is unlikely to fully compensate you for your damages. The average wage loss in an accident is more than $2,500. The average hospital stay costs around $10,000. Very serious accidents can lead to medical bills of $500,000 or more, especially when long-term care and disability is involved. A liability policy with $15,000 to $30,000 in coverage may not be enough.

You have the right to sue the at-fault driver for your damages if they do not have insurance or lack sufficient coverage. Of course, people who do not maintain car insurance likely do not have sufficient assets to pursue in a lawsuit, even if your case is successful. Studies have found that the average uninsured driver is unemployed or works at a low-paying job, pays rent for an apartment, and has little savings.

If you have UIM/UM coverage, you can instead file a claim against your own insurance policy to recover your damages.

How Uninsured/Underinsured Motorist Coverage Works
UIM/UM coverage gives you recourse if you are involved in an accident with an uninsured or underinsured motorist or a hit-and-run driver. UM coverage pays for lost wages, medical expenses, and pain and suffering if you are injury and the at-fault driver fled the scene or did not have insurance. UIM coverage kicks in to pay for lost wages and medical bills above the limit of the at-fault driver’s policy up to your policy’s limits.

UM/UIM works like the liability bodily injury and property damage coverage on your existing car insurance policy and it will have the same coverage limits you chose. If you have car liability insurance with 100/300/100 limits, the UM/UIM insurance will have the same 100/300/100 limits. Your UM/UIM coverage will pay for your injuries in a traffic accident even if you were injured as a pedestrian or hurt while riding in someone else’s car.

Your car insurance policy may already offer some protection against uninsured drivers, even without UIM/UM coverage. Personal injury protection (PIP) and medical payments coverage help pay for your medical expenses, regardless of who is at fault for your accident, even if it’s an uninsured motorist. If you have collision coverage, you already have coverage to pay for property damage to your car.

Don’t assume that health insurance is enough to protect you in an accident. Your health insurance policy will only pay for the treatment you need after the accident. You will be responsible for co-pays, deductibles, and limits on some types of car. This can add up to thousands, depending on your injuries and insurance policy. Your health insurance will not pay for other damages, either, including lost wages while you recover and pain and suffering.

About half of all states currently require some type of UIM/UM insurance while some require that you decline this coverage in writing if you do not want it. Uninsured/underinsured motorist coverage is always recommended, however, because it’s an affordable form of protection that can guard against the very real risk of a hit and run or uninsured driver.


Charle Butler
Charle Butler
2021-03-12
Verified
I was hesitant to hire the Spodek Law Group. I read reviews and knew they have a great reputation. However, I thought I would spend money and not see or speak to my attorney. From the beginning to end of my case Todd and the entire staff were available and willing to help. We worked towards and end result that was way above my expectation and Todd delivered. I am forever grateful for patience and long days and night spent working on my case. Thanks Todd and the entire team!
Mesonista parsons
Mesonista parsons
2021-03-05
Verified
My attorney at Spodek was Abigail. She was very knowledgeable and helpful with all my questions and concerns, as well as responsive. Her fees are affordable and Abigail took the time to make sure I understood everything relating to my case. I highly recommend Abigail and will request her services in the future.
debabrata chakraborty
debabrata chakraborty
2021-03-03
Verified
Todd A Spodek is the experienced and best criminal lawyer at USA. He is very professional and always respond on time. Alex also very cooperative and always help me. They took care me and my problem like family member. I am 100% satisfied for their professional service. My result was unexpected and amazing. They dismissed my case. I am really grateful to them. I will recommend you to go there if you want to solve your problem. I wish all the best for them.
Asata Hendricks
Asata Hendricks
2021-03-02
Verified
Truly appreciate the work the guys did!. Exceptional team & I know they care about each and everyone of their clients. I am super thankful to be referred to Spodek Law Group and I am grateful Todd & Alex were able to work diligently to achieve an outcome I am pleased with. Despite COVID they stayed on top of things and kept me informed every step of the way. Very thankful.
Mike Moroff
Mike Moroff
2021-02-26
Verified
I'm very satisfied with the services rendered by Todd, Alex and Mary Lou. I whole heartedly recommend Spodek Law Group . I've worked with and have retained other attorneys in the past with Todd's firm being the cream of the crop for many reasons. A very serious legal matter was resolved after a year's hard work and effort. Todd expertly guided me through the process and was able to navigate and make the good journey bearable as well as successful. Mary Lou initially provided excellent assistance before referring my case to Todd. Alex's support was effective and timely. The customer portal (MyCase) is an invaluable communication tool that also kept track of my case. Various aspects of my case were explained and there were several options provided but I made the final decision of how the case would be handled. The legal fee was reasonable considering the effort and amount of work plus it was a flat fee regardless of the length of time required to conclude my case. Todd made himself available to me and we had many scheduled meetings to go over the progress and to discuss the next steps. I felt more confident after many discussions with him. You will not go wrong choosing Spodek Law Group for legal matters.
Josh Katz
Josh Katz
2021-02-24
Verified
Being that it was the first time that I was in need of an attorney, I was afraid and hesitant and knew I needed the absolute best. It is beyond understood why Spodek Law Group has a reputation of being the top, if not the best law firm in New York. Alex and Abigail were there every step of the way even at the most unconvenient hours. I could not have asked for more. They are extremely good at what they do and they delivered much much more than just winning my case. A big thank you to Alex and Abigail for all the guidance and counseling and their upmost loyal support that extended far more than just legally. If you need the absolute best than don't hesitate to hire Spodek Law Firm.
L.C.
L.C.
2021-02-24
Verified
I cannot tell you how thankful I am to Todd and Alex for their hard work and dedication to my case. I had never been in any trouble before but I had an unfortunate event occur and in the midst of COVID-19 at that therefore I knew I needed a team that was dedicated to my success. Today- my case has been finalized and I’m walking away with no record and can continue life as a mother and a Grad student worry free. I cannot express enough gratitude for their assistance.
AnnMarie Soliman
AnnMarie Soliman
2021-02-23
Verified
I received a summons and called Spodek law group for a free consultation. Alex took my call and was very quick and responsive. He was available anytime through multiple platforms and very reassuring when needed. They are extremely organized and thorough. They got my case dismissed! I’m very grateful. Thank you Alex and Todd!

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Spodek Law Group have offered me excellent support and advice thru a very difficult time. I feel I've dealt with someone who truly cares and wants the best outcome for you and yours. I'm extremely grateful for all the help Spodek Law Group has offered me. I can't recommend them enough.

~ David Bruce

Spodek Law Group was incredibly professional and has given me the best advice I could wish for. They had been helpful and empathetic to my stressful situation. Would highly recommend Spodek Law Group to anyone I meet.

~ Rowlin Garcia

Best service I ever had. Todd is absolutely class personified. You are in the safest hands with spodek. They have their clients interest in mind.

~ Francis Anim

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Hear From Our Clients

"Spodek Law Group have offered me excellent support and advice thru a very difficult time. I feel I've dealt with someone who truly cares and wants the best outcome for you and yours. I'm extremely grateful for all the help Spodek Law Group has offered me. I can't recommend them..."

David Bruce

"Spodek Law Group was incredibly professional and has given me the best advice I could wish for. They had been helpful and empathetic to my stressful situation. Would highly recommend Spodek Law Group to anyone I meet."

Rowlin Garcia

"Best service I ever had. Todd is absolutely class personified. You are in the safest hands with spodek. They have their clients interest in mind."

Francis Anim
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